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By BFee317
I finally decided to attack my credit issue rather than pretend they don't exist. Here is the situation
Here is my CreditKarma information...
TransUnion and Equifax (both show the same items
Credit Cards $0
I have a $500 secured Discover IT card that I used for YouTube TV payment and that is it. Between 10% and 30% utilization opened May 2020.
My mother added me as an authorized user to her Costco Capital One card that has perfect payment history, 8 years open and a $15,000 limit.
Collections $5,317
Armada Corp
Total Accounts 6 (medical) Oldest age of account 2019
$3,193
Puget Sound Collections
Total Accounts 2 (medical) Oldest age of account 2019
$1,814
Solverity
Total Accounts 1 (medical) Oldest age of account 2019
$310
Student Loans
$0
Accounts Were Garnished from my paycheck and paid
Closed Accounts 4
Dept of Education/NELNET (Closed 4/2016)
Dept of Education/NELNET (Closed 4/2016)
US Department of Education (Closed) Opened 09/2012
US Department of Education (Closed) Opened 09/2012
I have sent debt validation letters to all three credit bureaus and this is what was verified. Where do I go from here. I was added as an authorized user to my mothers credit card (Capital One Costco) about a month ago. I hope this helps my score improve but it hasn't reported yet. I saw a 25+ point boost from my secured discover card but it hasn't helped since then. Can anyone offer some guidance as to a path for a better credit score?
Thanks,
BFee
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By BFee317
Anyone have experience pulling medical collections back from the credit agency and start a payment plan with your HC provider? Or negotiating with a HC provider for items already in collections and paying the HC a negotiated monthly amount or a one time negotiated payment then doing WhyChats system if the items are not removed from collections? The reason I ask is I have over 9 open accounts with Armada Corp (CA) totally over $15,000 and I am looking for the most efficient way to get this removed from my credit report.
Thanks,
BFee
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By nferra2
I am going to help my SO repair their credit, it is a mess, 99% compounded by medical bills but other trade lines got caught up from reduced income and everything that comes from major medical events. In the past I was successful with a Jack attack letter addressing all trade lines. Whatever was left I would move onto doing the 1-2 punch using DV letters and asking the CRA to validate. I never claimed or denied validation of the debts in my Jack attack letters. Do you think this can still work? Any other suggestions? I was never 100% and had to let a couple things age off, but I was able to reduce a lot in the past. I plan on hitting the post office Tuesday!
There are 7 positive, active trade lines even if some are not the best. Fingerhut, CreditOne, Indigo stood out. I am going to add them to my Discover and my banks CC, that should help in the long run.
Thanks in advance!
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By maddox80
Lovely Navient is posting 4, yes 4 charge-offs on my credit report. I'm starting with Equifax.
Round 1: Disputed because there was still a past due balance showing on the charged off accounts (all of them). One Navient Account deleted, the rest were "verified." Equifax "updated" the "date of last payment" to literally June 2020 ... on charged off accounts. They still show a past due balance, even though the debts were sold to a collection agency.
Round 2: Sent a method of verification letter to Equifax. Equifax responded with a "We don't have a credit file for you" letter. Stall tactic?
Round 3: Sent a second method of verification request with copies of the "we don't have a credit file for you" letter, proof of identity, copies of their previously "verified" accounts/"investigation results" pointing out they reported payments on charged off accounts. Interestingly, the "little boxes" that appear under the accounts which tell you if it's a timely payment, late, or a charge off still show a "late/charge off" for the months Equifax says they verified I made payments. Result: Investigation is PENDING.
I signed up for MyFico and apparently, Navient is reporting these charge offs/lates, FRESH, on a monthly basis - even after they sold the debt. Is this legal? How can I be late on a debt that doesn't exist anymore since they sold it off? I had a charge off before for a credit card a long time ago and once it was charged off and sold (Navient sold the debt as well) it wasn't reported every.dang.month. Is this legal or some sort of reporting violation?
Am I doing this correctly? Should I do a 609 and demand that they show me a copy of my MPN? TIA!!!
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